program areas Digital Consumer
Program Areas
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Integrated into their end-to-end platform (link is external), Smartplay provides a real-time, one-to-one connection (link is external) to viewer’s device, enabling them to optimize monetization opportunities. Smartplay’s server-side ad insertion technology (link is external) and industry-standard ad-decisioning system are used to deliver personalized ad experiences across live, linear and on-demand programming. By enforcing advertising business rules according to their monetization strategy, Smartplay enables smarter advertising to help customers get the most value out of their online content. --- For more information, please view the attached PDF and visit http://bit.ly/2w385c7 (link is external).
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“Marketers. Ready, aim, engage! It is easier than ever to hit the right marketing targets,” explains Equifax (link is external) about its far-reaching data capabilities that capture, analyze, and sell our information. Equifax’s admission last week about its loss of personal information on 143 million Americans—including Social Security and drivers license numbers—is also a wake-up call about the dramatic loss of our privacy in the digital era. Most people think of Equifax as one of the “Big 3” credit-reporting agencies that provide information on our credit worthiness. But Equifax also profits from compiling and selling our data profile to financial services, retail, auto, telecommunications, and other industries for online targeting. As the company itself explains, “Equifax has grown from a consumer credit company into a leading global provider of insights.” It has built a major business offering (link is external) “audience profiling, targeting and measurement tools” that reflect data practices that undermine our privacy and can threaten the interests of consumers. As it explains (link is external) in its “Equifax for Marketing? Absolutely” document, “the advent of Big Data presents nearly limitless potential to help identify the most profitable customers and prospects…. Our data-driven marketing solutions help you synthesize consumer data for a holistic, 360-degree customer view.” Equifax pulls together and “enriches data from disparate sources” so others can have an “enhanced view” of who we are and what we do. Unfortunately, that “enhanced view” means trampling on what should be our right to control who has access and can use our information. We shouldn’t be focused only on the loss of our information from a data breach—but also on how we can better address this issue at its core—by stopping the massive and stealth ways our data are being gathered and used in the first place. Just last month (link is external), Equifax further consolidated (link is external) its “data assets” to create what it calls its “Data-Driven Marketing” suite (DDM). It now provides “a single point of access to all of its data” in order to make using it more convenient for marketers. Equifax’s current business practices reflect how our personal data is traded, shared, and sold today. An array of partners (link is external) collaborate to share information on an individual or a group to be targeted. Data from different sources are gathered, analyzed to identify patterns and opportunities; we are segmented and scored, given an invisible label that describes our financial status and behavior, and that information is then fed into superfast computers that deliver pitches and offers to us via mobile phones, PCs, and connected TVs. In its “Data-driven Marketing Solutions” paper (link is external) on financial services, Equifax touts its ability to directly measure “over $15 trillion of U.S. consumer investable assets…and credit data for over 220 million consumers in the U.S.” Equifax says that it can take that data to help clients target individuals “across channels: email, display, mobile, addressable TV, social, direct mail, point-of-sale, [and] call center.” This is what’s known as “omnichannel” marketing, and involves following us wherever we go online, and, via our mobile phone and apps, into stores and other physical locations as well. For example, Equifax’s IXI (link is external) Services division enables marketers to “differentiate consumer households and neighborhoods, based on wealth, income, spending capacity, share-of-wallet and share of market.” One of its products—AudienceIntel (link is external)—“helps you understand the financial profile of your site visitors…[using] intuitive targeting segments based on our proprietary measures of households’ financial capacity, propensities, preferences, and behavior.” Among IXI’s “digital targeting segments (link is external)” are those who may need a “sub-prime credit card,” a “revolver” (someone with a high balance and will have to accrue interest charges), a “likely student loan target,” and “active debit card users.” Equifax’s IXI promises that it can help guarantee that its clients’ ads have been viewed by their “desired target audience” and whether a sale or some other response was completed—“online or offline.” Unlike Experian and Acxiom, Equifax’s IXI “receives data directly from financial institutions,” which it can segment in a more granular way, according (link is external) to trade reports. Equifax’s “TokenIntel (link is external)” provides retailers with additional insights into our lives by linking point-of-sale and online transaction data with our use of credit cards. This includes geo-location information as well. Although Equifax claims its processes are privacy friendly, the technology it uses enables it to know each consumer and “household, allowing for a clearer picture of a household’s likely value to your brand.” “Communicate with shoppers like you know them…Because You Do!” Equifax explains, urging potential clients to work with it so that “your millions of transaction data points become the foundation” of more profiling and targeting of individuals. Equifax has allied itself with other leading digital data companies that use cutting-edge ad technologies that help target us in milliseconds. They are now working (link is external) with Adobe, Lotame, Salesforce’s Krux, Neustar, MediaMath, and Acxiom’s LiveRamp (link is external), for example (as well as working with music site Pandora (link is external)). In other words, Equifax is helping other data targeting companies gain access to our information—an example of the out-of-control data system unleashed today. Because the U.S. doesn’t have any federal consumer privacy law—rules that the digital data and ad industries are violently opposed to—there’s nothing stopping them from collecting and using even more of our information. The breaches that are occurring begin the very first time a company takes our data, without any legal limits on what that company can do with such information. ---
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Equifax Inc., a global information solutions provider, today unveiled its next-generation Data-driven Marketing capabilities, designed to help brands conquer the challenges preventing them from realizing their data-driven marketing goals. As marketers across all industries become increasingly reliant on "big data" to help them identify the most profitable customers and prospects and create great experiences, it's clear that marketers need additional help to harness the promise of data-driven marketing. A majority -- 96% -- of marketers report their organizations are attempting to make more central use of customer data, but only 29% are seeing results, according to the IAB's "The Data-Centric Organization (link is external)" whitepaper from September, 2016. Data-driven marketing integrates and enhances the marketing services that Equifax provides. These include credit marketing, IXI Services' wealth-based marketing insights, and digital marketing. This unification enables Equifax to more holistically solve the key challenges that marketing executives face. Leveraging our track record as a trusted data steward and widely-recognized strengths in household economic data, identity and data linking, analytics and technology, Equifax helps brands: Create a single, actionable customer view across data silos and channels; Turn data into an understanding of customer needs and growth opportunities; Engage customers consistently across channels; and Measure results to continuously improve performance and marketing ROI --- For the full article, visit http://bit.ly/2wnuro8 (link is external)
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Blog
Phone and Cable ISPs Assemble a Big Data Commercial Surveillance Apparatus Aimed at Californians: Use of “hyperlocal” data targeting practices bring greater privacy threats to neighborhoods and communities.
Key control of multiple devices, including TV. ISPs have positioned themselves to expand their consumer data collection across all the devices/platforms they operate. This includes broadband connections (including streaming media), mobile devices, PCs, and also TV. Unlike Google and Facebook, the cable and telephone ISPs largely control the TV set. Comcast has enabled its NBC division to use its set-top (link is external) box data for targeting, for example. Phone and cable companies work with leading data brokers and data marketing “clouds” in order to develop granular and actionable profiles of individuals. This gives ISPs robust understanding of the actions and behaviors of consumers, including financial, health, ethnic, racial, shopping, and even politically related data—all of which is used for personalized targeted marketing. Examples include Comcast (link is external) and Verizon working with Acxiom, among others; Comcast (link is external) and Verizon working with real-time data targeting company MediaMath; Verizon and Comcast (link is external) working with Oracle’s (link is external) marketing cloud division; and Experian (link is external) providing data to Verizon/AOL and AT&T (link is external). ISPs are Identifying and targeting a single consumer across all the devices that person uses—through “cross device identification.” Verizon (which operates both AOL and Yahoo) works with Acxiom’s LiveRamp division. LiveRamp specializes in helping clients fuse together data that allows specific individuals to be identified (link is external) on all their devices, through LiveRamp’s “IdentityLink” LiveRamp matches “PII-based data—like emails, postal addresses, and phone numbers—with…cookies and device IDs….” The company maintains “consistent recognition on 98% of U.S. adults and nearly 100% of U.S. households.” Verizon’s Precision Insights Program is listed as a LiveRamp partner (“the two companies are leveraging the PrecisionID” to give advertisers the ability to run “list-matching” campaigns in mobile, and serve mobile ads to an already built CRM list). AT&T also has a connection with LiveRamp, via its alliance (link is external) for app-based data targeting with Opera Mediaworks. The list of LiveRamp’s data partners is far-reaching, suggesting that Verizon, for example, can acquire extensive data elements on individuals. AT&T has also worked with cross-device targeting specialist Tapad. (link is external) Verizon works with another cross-device company—Drawbridge (link is external)—which also has multiple data-broker partnerships. Phone and cable companies are using set-top box data to also target consumers on their other devices. For example, AT&T recently boasted, “we are now targeting that same consumer across TV and mobile.” ISPs are expanding their use of consumer geolocation data for commercial tracking and ad targeting, creating new privacy threats to neighborhoods and communities. For example, leading geo-tracking company Factual (link is external) is a partner (link is external) with Verizon’s AOL. AT&T (link is external) and Verizon (link is external) also work with geotargeter PlaceIQ. ISPs have been on a data-targeting spending spree to acquire companies that help them target across devices and applications. AT&T has partnered with ad- (and now also data-) giant WPP to own (link is external) a company that helps deliver digital TV and other interactive ads across devices. They are using “verified subscriber identities” to deliver addressable TV and mobile ads, including through apps. Verizon’s acquisition of Yahoo (including Yahoo Finance and Yahoo Mail) gave it control of over 600 million mobile monthly users. Yahoo mail has “225 million logged-in users,” for example, lending valuable scale to AOL’s (link is external) ad-platform business. “Verizon’s subscriber data coupled with Yahoo content and email addresses enables more precise ad targeting,” explained (link is external) one leading publication. ISPs are using their data clout to deliver insight-based targeting. Verizon, for example, promises that it “allows advertisers to pinpoint very specific targets by households." --- -
Blog
Comcast, Cox, Charter Sell Your Data to Political Groups
NCC is owned by cable industry leaders Comcast, Cox and Spectrum, and represents virtually every other multi-channel programming distributor in the US.
What connects cable, online and on demand viewers? NCC Digital Video. NCC’s approach to advertising reaches premium voter audiences across all screens. Only NCC has the unrivaled ability to target authenticated subscribers in a variety of ways across premium cable content and websites. And with our targeting technology, NCC can continue to target this subscriber as well as additional specific audiences throughout the web. NCC A+ Political Advertising gathers first party voter data from all 50 states and offers list matching Premium in-stream video ads run across all screens to an engaged, authenticated audience Dynamic Ad Insertion (DAI) facilitates ad insertion into premium cable programming in OnDemand viewing Premium High Impact Home Page and Sign-In page take overs give maximum brand exposure and impact NCC Political Media is proud of our partnerships with the most reputable research and data sources on US voters. Access to this intelligence allows us to provide you with superior intelligence on how to effectively reach the right voters in your preferred markets, on the best cable networks and online platforms. --- For more information, visit NCCMedia.com -
Deep Root Analytics, a leading media & audience analytics company that creates data platforms for audience targeting and ad monitoring, announced today that it has expanded the number of audiences available with D2 Media Sales to enable political, corporate & advocacy advertisers to target Dish and DIRECTV households using proprietary audience segments. Deep Root Analytics has created 35 new proprietary audience segments based on their affinity scores on political & policy issues and interest in corporate responsibility efforts. These new audiences represent an increase in the Deep Root Analytics footprint to reach Dish & DIRECTV households above their initial announcement (link is external) in 2016 and brings its overall addressable audience offering to more than 60 unique audience segments. As such, Deep Root Analytics has pre-matched these segments to D2’s advertising platform, providing addressable TV advertising to nearly 23 million DIRECTV and DISH satellite households. “In 2017, advocacy and brand advertisers are navigating a tricky and fractured media landscape. They are especially keen to identify and efficiently reach audiences based on what they value and to drive their agenda and manage their brand reputations,” noted Deep Root Analytics CEO Brent McGoldrick. “At Deep Root Analytics, we are focused on helping them make their paid media as data-driven as possible. So, we are thrilled to work with D2 Media Sales and access their best-in-class addressable TV platform to enable our clients to directly communicate with nearly 23 million DIRECTV & DISH customers.” The 35 new proprietary segments created by Deep Root Analytics and made available for addressable advertising via D2 Media Sales include: --- For more information, visit http://bit.ly/2ep1l0U (link is external)
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Political data firms on both sides of the aisle have bolstered their addressable TV capabilities. Today, Democratic data firm TargetSmart and Republican data outfit Data Trust each announced new partnerships with TV data providers. The outcome should be even more TV spots, especially from congressional campaigns, targeted to households of key voter segments than ever before. Data Trust, the data firm that manages a national voter file for Republicans and right-leaning groups, has partnered with FourthWall Media to match FourthWall's cable viewership data to Data Trust's voter data. The result will be a feed of TV viewer data updated daily and matched against Data Trust's voting history and demographic data. It was a year ago at the Democratic National Committee's summer meeting in Minneapolis when Democratic data firm TargetSmart Communications unveiled the addressable TV and digital ad targeting capabilities it developed with data services firm Experian. Today, TargetSmart expanded its TV data offerings through a partnership with Tru Optik, which provides media consumption data for digital media and connected TV devices such as Roku, Xbox, and smart TVs. The company also has TV data deals with Rentrak and D2 Media Sales, which is a partnership between DISH and DirecTV/AT&T. "We're trying to get as many partnerships out there as possible," said Bill Russell, director of digital partnerships at TargetSmart. These sorts of voter and TV data deals are bringing the targeting capabilities of online advertising to TV ad buys, which historically have resulted in some wasted spending for political campaigns that would do better to target ads to desired voter groups rather than those less likely to support their candidates. The new approaches have grown in popularity following the 2012 election, when President Obama's re-election campaign famously employed innovative data-crunching methods for buying TV ads aimed at voters through programming rarely purchased by political advertisers. By partnering with more and more TV data and media firms, political data companies are bringing what was once accessible only to large statewide or national campaigns to smaller, down-ballot candidates. Through such relationships, political advertisers can reach pre-defined voter segments, such as likely Democratic or Republican voters, or custom groups of voters. --- For the full article, visit http://bit.ly/2wDaz4s (link is external)
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Reports
Health Wearable Devices Pose New Consumer and Privacy Risks
Lack of Regulation Fostering Unchecked Use of Personal Health Data. Debate over Future of Health Care System Must Address Need for Safeguards.
Personal health wearable devices that consumers are using to monitor their heart rates, sleep patterns, calories, and even stress levels raise new privacy and security risks, according to a report released today by researchers at American University and the Center for Digital Democracy. Watches, fitness bands, and so-called “smart” clothing, linked to apps and mobile devices, are part of a growing “connected-health” system in the U.S., promising to provide people with more efficient ways to manage their own health. But while consumers may think that federal laws will protect their personal health information collected by wearables, the report found that the weak and fragmented health-privacy regulatory system fails to provide adequate safeguards. The report, Health Wearable Devices in the Big Data Era: Ensuring Privacy, Security, and Consumer Protection, provides an overview and analysis of the major features, key players, and trends that are shaping the new consumer-wearable and connected-health marketplace.“Many of these devices are already being integrated into a growing Big Data digital-health and marketing ecosystem, which is focused on gathering and monetizing personal and health data in order to influence consumer behavior,” the report explains. As the use of these devices becomes more widespread, and as their functionalities become increasingly sophisticated, “the extent and nature of data collection will be unprecedented.”The report documents a number of current digital-health marketing practices that threaten the privacy of consumer health information, including “condition targeting,” “look-alike modeling,” predictive analytics, “scoring,” and the real-time buying and selling of individual consumers. The technology of wearable devices makes them particularly powerful tools for data collection and digital marketing. For example, smartphones and other mobile devices already provide access to users’ location information, enabling marketers to target individuals wherever they are, based on analyses of “visitation patterns” and a host of other behavioral and demographic data.The report also explains how an emerging set of techniques and Big-Data practices are being developed to harness the unique capabilities of wearables—such as biosensors that track bodily functions, and “haptic technology” that enables users to “feel” actual body sensations. Pharmaceutical companies are poised to be among the major beneficiaries of wearable marketing.The report offers suggestions for how government, industry, philanthropy, nonprofit organizations, and academic institutions can work together to develop a comprehensive approach to health privacy and consumer protection in the era of Big Data and the Internet of Things. These include:Clear, enforceable standards for both the collection and use of information;Formal processes for assessing the benefits and risks of data use; andStronger regulation of direct-to-consumer marketing by pharmaceutical companies.“The connected-health system is still in an early, fluid stage of development,” explained Kathryn C. Montgomery, PhD, professor at American University and a co-author of the report. “There is an urgent need to build meaningful, effective, and enforceable safeguards into its foundation.”Such efforts “will require moving beyond the traditional focus on protecting individual privacy, and extending safeguards to cover a range of broader societal goals, such as ensuring fairness, preventing discrimination, and promoting equity,” the report says.“In the wake of the recent election, the United States is on the eve of a major public debate over the future of its health-care system,” the report notes. “The potential of personal digital devices to reduce health-care spending will likely play an important role,” as lawmakers deliberate the fate of the Affordable Care Act. However, unless there are adequate regulatory safeguards in place, “consumers and patients could face serious risks to their privacy and security, and also be subjected to discrimination and other harms.”“Americans now face a growing loss of their most sensitive information, as their health data are collected and analyzed on a continuous basis, combined with information about their finances, ethnicity, location, and online and off-line behaviors,” said Jeff Chester, Executive Director of the Center for Digital Democracy, and another co-author of the report. “Policy makers must act decisively to protect consumers in today’s Big Data era.”The Robert Wood Johnson Foundation provided funding for the report.The three authors of the report —Kathryn Montgomery, Jeff Chester, and Katharina Kopp—have played a leading role on digital privacy issues, and were responsible for the campaign during the 1990s that led to enactment by Congress of the Children’s Online Privacy Protection Act (COPPA).---Full report attached.Kathryn Montgomery, Jeff Chester, Katharina Kopp -
FourthWall Media and Data Trust announced a partnership that will create a unique feed utilizing Data Trust’s comprehensive data warehouse. Data Trust will connect FourthWall’s census-level television viewership data to its GOP dataset of over 190 million American voters from all 50 states. The integrated solution will help allied analytics companies build media and television-centric targeting solutions for their customers. “Data Trust is committed to compiling and providing access to the foundational data right-of-center political and advocacy organizations need to persuade voters and win this November,” said John DeStefano, president of Data Trust. “Combining FourthWall’s television viewership data with the historical data only Data Trust offers will help our customers access more complete datasets than anyone else.” Data Trust will use FourthWall’s anonymous household matching tool to sync with Data Trust’s voter file and create a unique feed of viewership information updated daily. Data Trust’s depth allows clients to append other information to those matched households, such as demographics, voting history and the like. As analytics firms and media buyers become more sophisticated, the ability to look at the TV viewing behavior of certain groups, such as first time Hispanic voters, becomes more and more valuable in the battle for votes and persuasion. --- For the full article, visit http://bit.ly/2wDaz4s (link is external)
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Press Release
Advocates Call on FCC to Protect Programming and Advertising Safeguards for Children's TV
Commission Must Reject TV Industry Proposal to Undermine Public Interest Obligations
WASHINGTON, D.C. – Advocates called today on the Federal Communications Commission (FCC) to reject an effort by major media companies to eliminate or weaken important rules for children’s television. The National Association of Broadcasters, Internet and Television Association (NCTA), CBS, Disney, Fox, Univision, and others have asked the FCC to significantly reduce advertising limits on children’s programming. Industry commenters also urged the FCC to reconsider rules that require broadcasters to provide quality educational programming as part of their obligation to serve the public interest. In comments filed today, Campaign for a Commercial-Free Childhood and the Center for Digital Democracy called on the FCC to reject industry proposals to repeal or modify the current rules. “The Trump Administration and the FCC should stand up for the rights of children and parents and reject this crass campaign by the broadcast lobby,” said Jeff Chester, executive director of the Center for Digital Democracy. “The broadcast industry receives billions of dollars in benefits from its free use of public resources, including invaluable rights to the airwaves. It is unconscionable that TV stations and networks want to kill off one of their few remaining obligations to the public.” In April, the FCC issued a public notice on its “Modernization of Media Regulation Initiative,” asking for suggestions about which of the FCC’s media-related rules should be modified or repealed. Media companies replied with a deregulation wish list that would allow them to use kids’ television programming to market directly to children. The major networks urged the FCC to relax its rules prohibiting product integration and product placement on kids’ shows, arguing that YouTube and other child-directed online services are not subject to those restrictions. Advocates responded by pointing out that internet and mobile providers are simply ignoring longstanding children’s media principles, which are based on child development, and that a lack of online regulation is not a good reason for the FCC to eliminate important safeguards for the millions of children who watch traditional TV. “It is extremely disappointing that broadcasters want to join the race to the bottom when it comes to exploiting children’s developmental vulnerabilities for profit,” said Josh Golin, executive director of the Campaign for a Commercial-Free Childhood. “Media companies want to gut longstanding safeguards because young people an incredibly lucrative market for advertisers. But research demonstrates that children are particularly vulnerable to marketing and benefit from rules that require ad limits and separation of programming and commercial content.” Advocates also oppose a request by the Internet and Television Association to repeal an FCC rule known as the “website display rule.” The FCC adopted this rule in 2004 to prohibit advertisers from engaging in “host-selling” to children, which the transition to digital broadcasting could otherwise allow. Angela J. Campbell, director of the Institute for Public Representation at Georgetown and counsel to some of the advocates, called the effort to repeal this rule disingenuous. “The media companies say the website display rule is unnecessary because television has rarely been used to interact and target advertising to children,” she said. “But at the same time, these companies engaging in a practice known as ‘programmatic marketing,’ which offers advertisers the ability to target ads to specific viewers of cable and broadcast television programming.” In addition, advocates oppose efforts by media companies to be relieved of their public interest obligation to provide educational programming for children, and to produce public reports to help the FCC determine whether that programming meets the obligations laid out in the Children’s Television Act. “The television industry made a commitment to serve the nation’s children by providing quality educational programs,” explained Professor Kathryn Montgomery of American University, who led the effort to strengthen the FCC’s rules on the Children’s Television Act. “However, broadcasters failed to live up to these minimal obligations and the FCC has been irresponsible in allowing the industry to evade one of its only remaining public interest requirements. Rather than considering elimination of these rules, the FCC (and Congress) should conduct an investigation into TV programming and advertising practices directed at children.” ---- The comments can be read via the attached PDF file below.
